We receive advertising fees from the brands we review that affect the ranking and scoring of such brands.
Advertiser Disclosure

LoansUnder36 Reviews


bestfor-icon Over 100 Lenders at Your Fingertips

Written by Bob Phillips

About LoansUnder36 | Read More


LS Score







Visit Site
Opening Hours Opening Hours drop-down-btn
Contact Information Contact Information drop-down-btn
  • 1 (877) 7403778
  • Headquarters: DV Marketing Inc. 759 Bloomfield Ave., Suite 244 West Caldwell, NJ 07006
Social Media Social Media drop-down-btn

LoansUnder36 Personal Loans Review

LoansUnder36% helps provide personal loans to individuals by matching them with its network of lenders. The company specializes in unsecured personal loans for borrowers with credit ranging from poor to excellent. LoansUnder36% maintains headquarters in West Caldwell, New Jersey.

LoansUnder36%’s main selling point is that all of its lenders’ maximum interest rate is 36%, similar to most of its competitors.

LoansUnder36 Personal Loans Highlight


Min Credit Score


APR. Fixed Rate


APR. Variable Rate


Loan Amount

2-72 Months

Repayment terms


Soft Credit Pull


Lender Type


Other Fees


Origination Fee


Prepayment Fee

Average of 24 hours

Funding Time

Pros & Cons

  • con-icon Receive offers from multiple lenders
  • con-icon Low minimum credit score required
  • con-icon No application fee
  • con-icon Hard credit pull
  • con-icon Maximum loan amount of $35K

Loan Purpose

  • Credit Card Refinance
  • Debt Consolidation
  • Home Improvement
  • Medical Expenses
  • Vacation
  • Other

Loan Type

  • Unsecured Personal Loans

LoansUnder36 Personal Loans Terms & Requirements

There are no guarantees that a potential borrower will be approved for personal loans from any of LoansUnder36 partners, or it may be possible that a particular lender will ask for further information after the initial application. Lenders may ask for further proof of employment or ask for more documentation regarding your financial situation.

Loan Requirements

While there is no minimum credit score needed to apply, this particular loan aggregator suggests that before applying for loans, borrowers should make sure they meet all of the following requirements.

  • Have an active bank account; some lenders may require it to be a checking account.
  • Be at least 18 years old with a valid I.D.
  • Have steady employment or have another verifiable source of income
  • Be a U.S. citizen

Loan Terms

Due to the wide array of lenders that LoansUnder36 partners with, it is likely that a borrower’s application will bring in several different loan offers. Each of these lenders may allow for a lot of flexibility when it comes to loan terms. This loan aggregator can curate and produce offers in as short a time as two minutes from the time when the application was submitted. Once a loan has been selected and approved, the funds can be ready the very next day in many cases.

The lending partners can offer loans for as low an amount as $500, but they also range all the way up to $35,000. Borrowers will find that the various lending partners have different minimum and maximum loan amounts that they allow, and the loan offers will need to be evaluated on an individual basis.

While LoansUnder36 doesn’t require that the personal loan money be used on specific purchases or purposes, it is possible that the vendors themselves may have stipulations for how the funds can be used. The vendors all have various APRs that will likely correlate with the borrower’s credit score, the terms of the loan, and the amount of the loan. However, they fall somewhere in between 5.99% on the low end and 35.99% on the higher end. It is important to note that LoansUnder36 cannot guarantee any particular APRs as they are not the lender but only the loan aggregator.

Repayment Terms

Similar to the loan terms, the repayment terms are extremely varied and depend solely on the loan vender. Borrowers can enjoy both short-term and long-term repayment schedules as decided by the loan vendor. This flexibility is often praised by LoansUnder36’s previous borrowers because it allows so much control over their financial situations. The loans offered allow customers to adjust their loan to fit in with their current lifestyle and money needs. Repayment terms can be set at daily, weekly, or monthly intervals. The shortest time frame is 3 months, and the longest time frame is 72 months. However, most personal loan repayment terms fall somewhere in-between those two extremes.  Not all of the lender partners offer the same terms for repayment. However, no matter the terms that are chosen, there are no pre-payment penalties incurred for paying off your loan ahead of your repayment schedule.

Appplying to Loans Under 36

Procuring a personal loan with LoansUnder36% requires submitting personal information like most personal loan companies.

The online process is simple and fairly straightforward.

Qualification Requirements

  • Minimum age of 18
  • Have a valid Social Security number
  • Have a valid driver’s license/state ID
  • Have a minimum monthly income of $2,000
  • Have a verifiable bank account

Required Information

LoansUnder36% requires personal information and the loan amount requested to match you with a lender.

Application Steps & Time Frames

In order to start the loan process, potential borrowers fill out the simple application located on the Loans Under 36 website. Keep in mind that this company is not a direct lender but is instead a market place or loan aggregator. However, since they work with over 100 vendors, potential borrowers will get many loan offers by simply filling out one application, and there are no application fees. Results come back in as little as a few minutes

This initial application asks from many of the basic details that you would expect in the loan process.

  • Name and Birthdate
  • Phone Number
  • Mailing Address
  • Email
  • Banking Information
  • Employment and Income Information

One thing to note is that this application does do a hard credit pull. This means that the personal loan inquiry through LoansUnder36 will show up on a credit report. In some instances, a hard pull can negatively affect your credit score by up to five points.

  • Complete the information form: 5 minutes
  • Wait for a decision: typically within minutes
  • Funding is released in one business day by most lenders

State Availability

- Available in all states

Written by Bob Phillips linkedin-icon twitter-icon

Having spent over fifteen years helping people plan their lives financially, Bob has a vast amount of knowledge concerning personal finance. During his career, Bob mastered many different financial products to help people achieve their financial goals, including life insurance, disability insurance, mutual funds, and stocks and bonds. He earned the Chartered Life Underwriter (CLU) designation and held numerous securities licenses. Bob is an internationally published poet and is now a freelance writer living in North Texas with his wife and Doberman puppy.



Is Loan Under 36 Legit?

Yes, LoansUnder36 is a legitimate marketplace for lending.

Is there an application fee with LoansUnder36?

LoansUnder36 services will always be provided free of charge, but that is not to say that the lender will give you a loan for free. Your lender will charge you fees and/or interest and must provide you with full disclosure of their loan terms upon approval. You are responsible for reading through the terms before signing your loan agreement.

What if I’m late or skip a payment?

Lenders may be forgiving if you contact them directly, though some may automatically add a fee if it is in their agreement. Please contact the lender directly if you have an issue paying an installment.

What is the highest loan amount I can receive?

$35,000, though not all lenders can lend that high of an amount.

Customer Support

LoansUnder36 does not provide a customer support phone number or email address on its website. We also couldn’t locate it through an extensive online search.

Privacy & Security

LoansUnder36 has a complete privacy and security statement on its website. The company states it does not share any personal information it collects with third parties without customer consent. Customers also have the option to opt-out of promotional emails at any time.
All data collected by LoansUnder36 is encrypted for security.

In Conclusion

Potential borrowers that are looking for flexibility and options will likely be fans of the service offered by Loans Under 36. One application gets potential offers from many lenders, and there is no minimum credit score required to apply. While LoansUnder36 cannot guarantee any loan approvals or specific terms, the APR range will fall under 36%. Borrowers can use the money on a multitude of purposes, including debt consolidation, home improvement, or a big family vacation. This is made even easier by the fact that the repayment terms range from over 3 months to 72 months. All in all, Loans Under 36 company is a good fit for those potential borrowers that want to see a range of financing options, and then have access to the funds very quickly, often in the next business day.

LoansUnder36 is a company that connects borrowers with its network of lenders; it does not lend money itself. The company provides no contact information on its website and is not found on the BBB website.

Brand Disclaimer

LoansUnder36%.com (the “website”) is not an offer or solicitation to lend. The website only provides a service and is not an agent, representative, or broker of any lender and does not endorse or charge you for any loan or product. The website operators are not lenders, do not make loans of any type, and do not make credit decisions. The website collects personal information provided by you and forwards it to partners in our lender network. You are under no obligation to use this website or service to initiate, contact, nor apply for credit or any loan product with any service provider or lender. Loan amounts vary from $500 and $35,000 but not all lenders can provide up to $35,000. Providing your information on the website does not guarantee you will be approved for a loan or credit product. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. If you have any questions, contact your lender directly for details, questions, or concerns regarding your loan or credit product. Short-term cash loans are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution. This service and lenders are not available in all states. Lenders may perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union or may perform alternative credit checks or consumer reports through alternative providers. By submitting your request, you acknowledge, agree, and authorize that (a) your information may be sent to lenders and/or third-party partners on your behalf, and (b) such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax to evaluate your creditworthiness. Representative example: If you borrowed $2,000 over a 12 month period and the loan had a 3% origination fee ($60), your monthly repayments would be $189.12, with a total payback amount of $2269.44 which including the 3% fee paid from the loan amount, would have a total cost of $329.44. Representative 29.82% APR. If you borrowed $5,000 over a 48 month period and the loan had an 8% origination fee ($400), your monthly repayments would be $131.67, with a total payback amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR. Loan products have a 61-day minimum repayment term. Loan example:.If you borrowed $5,000 over a 48 month period and the loan had an 8% origination fee ($400), your monthly repayments would be $131.67, with a total payback amount of $6320.12.